Tim Higbee

Sr. Mortgage Consultant - San Francisco Guarantee Mortgage
Thirty years of customer focus underlies Tim Higbee's work experiences in business ownership, client management, and strategic planning. Now he finds himself at the perfect intersection of his passions, having spent the past twelve years working directly with clients in real estate finance.

Tim's undergraduate degrees in Communications, Economics and Psychology prepared him for this dream job, teaching him to effectively discuss customer needs, craft realistic financial plans, and be aware of the formidable life changes that often accompany real estate planning. Finding the best path to each customer's ideal future is Tim's pride and firm priority.
Dec 27, 2021
Tim has helped me multiple times. His attention to detail, speed, and advice has always been great. I hope to keep working with him again in the future.
Aug 20, 2021
Tim was everything we never knew we needed! He took the time to walk us through the whole process, was always available if we had any questions, and generally made what could be an incredibly daunting and nerve wracking experience totally painless.
Jun 17, 2021
Tim has been incredibly patient with the numerous phone calls and questions we had buying our 1st home. He is clear and concise, and was extremely helpful - I can't recommend him enough.
Jun 7, 2021
We have worked with and have known Tim Higbee for the last 6+ years. Tim is kind, efficient, and hard-working. He makes the loan process easy and fun! Tim is so organized and does an amazing job of communicating throughout the entire loan process. Tim helped us refinance back in 2015 and he just helped us get an amazing loan for our new home in Redwood City! We just closed escrow today! Tim makes everything so easy and we feel so lucky to know him and have him in our lives. He has also helped my brother and parents with their home loans and refinancing over the last 10 years. If you are looking for a loyal, patient, and honest loan officer, call Tim Higbee and he will take care of you!!
Apr 6, 2021
Always by your side to get things through! Invaluable service!
Mar 2, 2021
Higbee was very attentive to details and made sure all parties involved (and there were many) completed their tasks on time.
Mar 2, 2021
Tim is always great: professional and communicative--and an advocate.
Feb 18, 2021
My second and third refis, plus two purchases before. Not interested in working with anyone else, clearly. Tim and his team are the best! Fantastic service from A to Z!
Dec 3, 2020
Tim was so helpful and always available to answer any question I had. He is a pleasure to work with and I would recommend him to anyone!!
Nov 6, 2020
efficient and great communication
Oct 30, 2020
Great communication, estimate of timing was accurate, costs were honestly explained and documented. Thanks!
Oct 30, 2020
A very smooth experience. Tim was very knowledgeable and communicated well. He was able to adjust quickly whenever we adjusted our scenarios. Great experience!
Oct 30, 2020
Tim explained the process thoroughly every step of the way and was very patient with a all our questions. He gave us full confidence that we were getting the best rate available, and was very flexible with changes needed along the way. Highly recommended!
Oct 15, 2020
Honestly can't say enough great positive things about Tim. He's the best and more reliable person involved in all of the real estate transactions we do - he always gets his end of the work done, he communicates frequently, clearly and concisely throughout the process, and he's fun and easy to work with. He's very detail-oriented, which is surprisingly hard to find in this industry. He has even pointed out a few mistakes on paperwork that other people have made! We have worked with Tim for a long time and I will only ever trust Tim with my mortgage needs. You should do the same - contact Tim today and you won't regret it!
Jul 21, 2020
Tim Higbee was fantastic to work with. I would recommend his service to anyone!
Jun 8, 2020
Our loan officer, Tim Higbee, was amazing- thorough, proactive, thoughtful, always making the process easy for us.
Jun 8, 2020
Tim guided us through the whole process and it was so easy!!! He was amazing to work with and going
Mar 8, 2020
The process was so easy. Tim is an amazing broker. He explains everything so simply and in layman's terms, he's responsive, and all around a great advocate for his clients.
Mar 8, 2020
Great stuff!
Feb 4, 2014
Founder & CPO - Thismoment, Inc
Tim Higbee... where to begin? My wife and I have been working with Tim back close to the turn of the century, when he so expertly assisted us in purchasing our first property, a condo in the Castro, San Francisco. At the time, I figured we didn't stand a chance! 2003-2004 was time of extreme real estate craziness in the bay area, with seasoned buyers routinely overbidding and boxing out first-home purchasers. Tim was patient, creative, and just incredible to work with, and somehow managed to make us look the part. We were accepted, moved in, and have been loyal customers of Tim ever since.

We've refinanced the San Francisco condo once, we've since purchased two properties in the Pasadena area of Los Angeles, and even just completed a refinance of our now principle residence just before the end of last year.

As I have given this advice to friends, colleagues, and well, anyone who would care to lend an ear: you would be insane to not work with Tim and Guarantee Mortgage. That's the long and the short of it. When they talk about funding your dreams, it's no joke! Before you cross anything off your list as an impossibility, pick up the phone or email this wizard. Be honest and forthcoming, come with a great sense of humor and explain your plans and desires clearly (no matter how ridiculous)... I think that you'll be amazed at the magic he wields, and refreshed by his unwavering loyalty and commitment to his customers (who really, feel more like partners). Don't be surprised if you get an even more aggressive rate just before the close, or get that always welcome, but unexpected, email one day in the future with refinancing options that are just too good to pass up.

You're entering a true partnership... this is not your average vendor/customer relationship.

Extremely satisfied partner, 5 times over-

Nov 20, 2013
As a Realtor who has been in the business for over a dozen years, I can tell you that mortgage brokers like Tim Higbee are few and far between. Tim has been a major asset to my business for many years and I continue to recommend him for many reasons:
1. He is available and responsive to phone calls & emails.
2. He takes pride in doing the right thing for his customers.
3. He under-promises and over-delivers on regular basis by setting realistic expectations for his clients and then doing the best job he can for them - usually a better interest rate or loan product than he originally quotes.
4. He provides options for his clients, or if he can't provide a good product, he lets them know right away so they don't waste their time.
5. He is great at educating clients on different products and how the entire process works. He continues the education and hand-holding for his clients throughout the escrow if needed.
6. He will be there for his clients after close of escrow - just because he closes a deal doesn't mean he won't be there to answer questions or help you out.

It is with much appreciation for having worked with Tim on many transactions that I can enthusiastically recommend his services to anyone looking for a hardworking, thorough, and diligent mortgage broker.
Nov 14, 2013
I bought a home in 2012 and Tim got me a loan for my home. He did an excellent job. He was very efficient and methodical. After that I went to him for my refinance and he gave me the same professional service. I would definite recommend him to allmay friends
Nov 7, 2013
Retired State of California Analyst
Tim Higbee helped us with two re-fiances on our 1903 Edwardian in San Francisco. Both were handled professionally, thoughtfully, and with good cheer. In the first re-fi, I even went back to our original lender, suggesting that they consider a re-fi themselves as rates had considerably dropped and we'd paid down a chunk of principal. They just couldn't be bothered. Ironically, more than 20 months after we left that lender, I have just received a letter telling me that they'd be glad to reconsider an adjustment to keep our business. Too late! Tim Higbee and his staff had gotten us just the loan we wanted at a better rate than we dreamed of, with less out-of-pocket costs than we could have imagined. I referred him to my daughter and her husband in Aptos and they too received the same kind of excellent , cost effective service we did. I tend to be fairly critical of most businesses. But , I can without reservation, highly recommend Tim and his staff.
Nov 6, 2013
Tim has helped me through ten mortgage transactions over the years, and he has consistently been one of the most responsive, professional people I've ever worked with. In two of those transactions I happened to talk with other mortgage brokers who suggested that what Tim was promising was too good to be true, that it must be a bait-and-switch, etc., but Tim has always come through with the terms and timelines promised. And on top of that, Tim is actually fun to work with, and mixes a great sense of humor with his professionalism.
Nov 1, 2013
I was referred to Tim Higbee by friends who had worked with him to finance their initial home purchase in 2008 and several refinancing’s since then. As a first time home buyer, I was thrilled to have Tim really take the time to discuss the overall process and explore some potential solutions to specific questions in my case. In this tough fast-moving market, Tim never missed the mark in sending pre-approval letters on a timely basis as part of the offer process. My broker in Marin, who had not previously worked with Tim, was impressed by his responsiveness. Tim was very professional throughout the process and a real pleasure to work with. Thanks so much, Tim! (yelp 4/21/2013)